February 22, 2012
Frivolous litigation is essentially lawsuits that have no legal merit – no legal sense – and usually little chance of being won. These kinds of cases typically seem so ridiculous that most people can’t help but snicker when they hear about them; like suing the restaurant where you dropped your coffee on yourself and got burned.
Other examples of such trivial pursuits include football fans who sued referees, fathers prepared to litigate over their fifteen-year-olds’ positions on high school athletic teams, a purchaser of Cracker Jacks who demanded damages for a missing prize, and a McDonald’s customer who sought $15,000 for damage to his teeth and marital relations caused by a defective bagel. Click here to read more »
February 14, 2012
If your work clothes are workout clothes and your office is a gym, you are in the market for fitness instructor insurance. Your job is to motivate people to reach past their limits to do one more crunch, bench press, or squat. You coach them through new moves, correct their form, and then push them to do even better. Fitness instructors are sought after by a growing baby boomer population as this generation strives to remain active throughout their lives. Years of education, experience and building your client-base has formed the foundation for your business. You don’t want to loose everything over one bad experience. Click here to read more »
February 14, 2012
XINSURANCE will be represented at the LEAP Symposium , March 21-23, 2012 at the Aria Hotel, Las Vegas Nevada. There is a growing trend of employees seeking to solve workplace disputes through Litigation and HR managers and consultants are faced with individual liability exposure. XINSURANCE can cover the gaps and provide important protection. This is the 2nd year that the LEAP Conference has welcomed us to meet and advise major decision makers in the HR profession.
February 10, 2012
Businesses take risks. That’s the way it is. Business is risk. But, businesses also do everything they can to protect themselves. One way they protect themselves is to hire Human Resource professionals to ensure the business does not cross governmental legal parameters in regards to employee rights.
The ironic thing is that these same HR professionals can actually be at risk themselves. Employment litigation is becoming increasingly common in the USA. And plaintiff attorneys are not only suing the companies, but also the managers and supervisors, including HR managers. Click here to read more »
February 7, 2012
Owning property carries a fair amount of risk. The factors that make you, the landlord, the most vulnerable are, damage to property either by tenant or disaster, and lawsuits. Many landlords depend on the income from rental properties to make payments on their current residence so it is important to protect yourself so that you are not without this income.
Here are some facts you should consider when choosing landlord insurance coverage.
Not all policies are equal– This is one of those categories where you get what you pay for. XINSURANCE will consider the type of property you own and customize coverage, premiums, deductibles and financing to suit your specific needs. Click here to read more »
February 3, 2012
Every business knows it has to watch its bottom line, its profit margins, its vendor relationships, its break even points, and its fixed and variable costs. And at night when the world finally goes quiet, good employers are still thinking about their quarterly goals and their fiscal projections.
But according to 2010 statistics what should actually be keeping employers up at night is how liable their company is to litigation. And not only their company, but themselves, personally.
Statistics released by the Equal Opportunity Commission (EEOC) show that record-breaking discrimination charges were filed in 2010 on behalf of US employees. The increase marked a 7.1% growth over 2009, and the highest number since 1965. Retaliation claims were up 7.9% over 2009. Disabilities discrimination claims were up 17%. Racial discrimination claims were up 6.9%. And the list goes on. Click here to read more »
January 31, 2012
We’ve all grown up hearing those stories about “that lady” who sued “that fast food place” because her coffee was too hot. Or “that guy” who sued “that brewery” because their beer made him run into a telephone pole with his Ford Bronco. Or “that Lindsay Lohan” who sued “anybody” because, well, who knows why she does anything, really (click here to shake your head at her and sigh in exasperation).
But frivolous lawsuits aren’t just the subject of humorous web searches anymore. Click here to read more »
